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Fidelity Bank, National Association

Wichita, KS · Cert 30895 · Fidelity Financial Corp.

National charter · OCC · 16 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$2.6BDeposits
$324.2MEquity
Loan mix
81%RE $2.1B17%C&I $0.4B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $2.2B16%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.85%Q2 ’245.71%Q2 ’255.75%Q2 ’26+16%+12%

Non-interest income vs. expense

2.68%Q2 ’242.71%Q2 ’252.68%Q2 ’26+10%+8%

Market Position · Wichita, KS · 2026 SOD (annual) · 9.8% share · #3 of 46 inst. · $2.3B of $23.2B

11.5% Sedgwick
0.4% Oklahoma
0.2% Tulsa
0.2% Johnson

Executive Summary

  • Earnings: ROA of 1.16%, up 22 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.75% of loans (+43 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 9.99%, up 12 bps from a year ago.
  • Funding: loans stand at 100.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+39 bps YoY

Efficiency Ratio (YTD, annualized)

63.73%-379 bps YoY

Tier 1 Leverage Ratio

9.99%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.91%0.99%1.05%1.16%+22 bps
Return on Equity9.75%9.54%10.30%10.89%11.90%+214 bps
Net Interest Margin3.33%3.37%3.39%3.61%3.72%+39 bps
Efficiency Ratio67.52%67.50%66.42%67.29%63.73%-379 bps
Non-Interest Burden2.02%2.06%2.04%2.30%2.19%+17 bps
Growth
Asset Growth (YoY)3.09%5.19%5.69%4.09%1.14%-195 bps
Loan Growth (YoY)3.29%4.84%6.90%5.08%2.17%-113 bps
Deposit Growth (YoY)11.11%3.34%1.37%1.87%-3.50%-1,461 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.52%0.49%0.82%0.75%+43 bps
Net Charge-Offs / Loans0.04%0.04%-0.01%-0.16%-0.07%-11 bps
Allowance / Loans1.28%1.29%1.29%1.30%1.32%+4 bps
Allowance Coverage of NPLs4.0x2.5x2.6x1.6x1.8x-2.2x
Capital
Tier 1 Leverage Ratio9.87%9.92%9.95%9.92%9.99%+12 bps
Total Risk-Based Capital12.01%11.82%11.94%12.09%12.16%+15 bps
Equity / Assets9.64%9.55%9.66%9.70%9.83%+19 bps
Liquidity & Funding
Loans / Deposits94.88%102.71%101.07%99.25%100.45%+557 bps
Liquid Assets / Assets5.24%3.40%3.15%3.12%3.15%-209 bps
CRE / Total Capitaln/a483%461%461%n/an/a